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200301985 <br />PREPAYMENT RIDER 0126878313 <br />THIS PREPAYMENT RIDER is made this ...12th...... day of ...FEBRUARY .... <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, <br />Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the <br />undersigned (the "Borrower ") to secure Borrower's Note to ................. ............................... <br />....................... WELLS, FARGO, HOME, MORTGAGE... INC,....................... ............................... <br />of the same date and covering the Property described in the Security Instrument and <br />located at: .61. VENUS,ST,.ALDA..NE„ 68870 ........................................ ............................... <br />(Property Address) <br />PREPAYMENT COVENANTS. In addition to the covenants and agreements <br />made in the Security Instrument, Borrower and Lender further covenant and agree as <br />follows: <br />I have the right to make payments of principal at any time before they are due. <br />A prepayment of all of the unpaid principal Is known as a "full prepayment" A <br />prepayment of only part of the unpaid principal is known as a "partial prepayment" <br />Except as provided below, I may make a full prepayment or a partial <br />prepayment at any time without paying any penalty. However, if within the first <br />year(s) after the execution of the Security Instrument I make full <br />prepayment, I will pay a prepayment charge in an amount equal to the payment of six <br />(6) months' advance interest, at the interest rate provided for under the Note, on the <br />amount prepaid which Is in excess of twenty percent (20 %) of the original principal <br />amount. <br />Subprime Prepayment (t -5 yra) Rider <br />Parity Act - AK, AL, AN, CA, CO, CT, DE, DC, I'L, GA, HI, <br />ID, IN, IA, KS, KY, U , MO, MS, MG, MT, NE, NV, NH, <br />NJ, NM, NO, OK, PA, Ri, Sq TN, TX, I-T, VT, WA, WY <br />OCC NY <br />(Page 1 .1 2) <br />EC200L Rev. 12/26101 <br />